1. finance
2. personal finance
3. saving

GET RICH BOOK
To Cole, Grant and Kaylie.
GET RICH BOOK
by
Matthew Amacker
GET RICH BOOK
ISBN-13: 978-1-4382-1213-85
ISBN-10: 1-4382-1213-5
Copyright © 2008 Matthew Amacker. All rights reserved.
Produced by Matthew Amacker
matt@mattsgetrichbook.com
This book is intended to provide humor.
It is not tax-advice, retirement advice, or anything
else one might want to sue about. So don't...
By the way... The author is not rich.
Thanks.
Edited by Diana Amacker
INTRODUCTION
Saving is key. Saving more – empowering.
Investing is... well – leave it to the experts.
Advice one needs to be wealthy is present in a format that is
easy to memorize and place into daily life. Your assuming
author is not yet rich but, following the advice contained here,
will one day be what is generally considered well-to-do. In
today's world where pensions are all but extinct, Social
Security is on the brink of failure, and the 401k is blessed –
saving to “rich” is the only sure way to attain a comfortable
old age.
The reader may be wondering why he should trust a fellow
who has not yet achieved the desired goal... why not?
Millions trust a collection of books written by folks of
questionable character whose riches are rarely due to their
direct action. Unless the motto is, “save,” those authors have
often received wealth through inheritance or a blustery
windfall - neither being likely in the protection of your
relaxed-years.
Finding this text means you will be the tree of wealth for the
next generation. Follow the simple rules in the pages that
follow and perhaps your spoiled progeny will put you in the
focus of that generation's get-rich-book.
This book contains everything you need in concise language
that is direct and easy to understand. The repetition is
purposeful, and the blank pages necessary in protecting those
that are not.
Time to get started...
CONTENTS
SAVE...
11
EMPLOYED MONEY...
33
BURNING A HOLE...
107
STOP LEAKING...
115
SERVICE RICHES...
133
GET RICH BOOK SECRET... 139
CONCLUSION...
143
GET RICH BOOK
SAVE
13
This really cannot be said enough – save. Save money, save
food, save gas, save energy, save that penny that is alone and
face down on the ground. To help you remember this simple
but extremely important message – memorize:
Save.
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.evaS
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Save.
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Save.
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Does it hurt yet? Save!
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Save.
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Save moola.
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Save food – are those left-overs actually bad?
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Save more.
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Not yet done...
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Save power.
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Save.
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Please Save.
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If only to let that helpless penny keep the owner it has
grown to love... save it.
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Every 10-spot saved now, is another hour you can sit
care-free in retirement.
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Though the author is mildly fearful of having repeated too
many times the word, “save,” current society's future-beignored attitude immediately restores the confidence to
continue: Save money.
Save at least 10% of it. Do it to enable worry-free story
telling in old age. Be able to afford little gifts to your
grandkids that won't require a budgetary-pause to cloud the
smile on your face.
30
It costs the U.S. Mint 2 cents to make every penny – so – in
each copper piece owned, the efforts of 2 are possessed!
Of course, the saver should probably deposit that cent. It will
briefly be worth one again, but it will have new potential!
Incredible potential.
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Please turn back to page 13...
EMPLOYED MONEY
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Employed money is happy money. Cash loves to work. Let
it!
If the reader is averse to letting money work near cliffs - let it
play in a certificate of deposit(CD) where you send it off and
it guarantees to come back with more. All banks offer these –
some provide better rates than others.
On the other end of the spectrum - if interested in the money
coming back with riches – put it into a mutual fund where it
can work in corporations for years. Money happily toils at the
same job with no thought about itself and no chance for
boredom. Finding workers like that is near impossible and yet
in every buck there are a hundred of them.
What follows is this chapter's memorization – the many ways
money likes to work.
For instance - this is money simply flexing (which is the only
work it will do when left in a piggy or simple bank account):
MoneY
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When money is placed in CDs, it's often caught building
houses, businesses or other sensible projects that the bank is
overseeing:
M
o
n
moneymon
e
y
n
n
e M e
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Money in a mutual fund works in many different ways and is
very efficient in its action. Here we see money working for a
telecommunications company providing pathways for
M
information:
O
N
E
Y
MONEYMONEYMON
Y M ONEYMONEYMONEY
O N E
MONE EYM
M
ON
O
M
N
ON
E
EYM
Y
ONEY
M
O
N
MONEYMONEYMONEYMONEYMONEYMON
E
Y
M
O
N
E
Y
M
O
N
E
Y
M
O
N
E
Y
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Page left blank for effect.
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m
o
n
e
y
Page sullied for effect.
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The last thing one truly needs to remember about making
savings work is held in a secret you'll only find by flipping
quickly through the next set of pages.
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I
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!
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While you're trying to decipher the flipper message here is
another little secret.
You have no idea where or how much you spend.
Let us fix that.
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The only way to know how much and where you spend is to
take the one week long: Money Tracker Challenge!
It works like this:
Use the recording sheets hidden in the next couple of pages
to write down every penny spent - starting now.
In one week, sit down and review. Having done this, you'll
be one of the few, the proud, the I-know-where-my-money-isspent people. They are rare and wise folk.
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Feel free to tear out the hidden expense ledgers. They've been
strategically placed on the spaces of the hidden message.
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There is one coming up!
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How much?
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How much?
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So, please, start those workers now.
BURNING A HOLE
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“The art is not in making money, but in keeping it.”
-Unknown
Money burns pockets because it does not thrive in cloth
prisons. It's suffocating - looking for a way out. It can't be
blamed - it's done nothing wrong. It deserves to be out
working and enjoying the wild.
If the reader is not ready to let it fly appropriately - keep it in
constant anticipation. Money loves to dream. It will do so
for many years if allowed. This chapter will explain how to
get money into that dreamy state for as long as needed.
High IQ = Poor Saving
Research shows those with higher IQs are far less likely to be
good savers. These folks are often chasing new and exciting
things or activities. Or, often, they simply have enough
disposable income that they fail to see the need to save –
they've always had money when they needed it. Take note of
this tendency in oneself – slap it – then set those new and
exciting things as rewards for good behavior or achievements.
Examples:
There is a book discovered that contains information about a
hobby that the reader might consider. Instead of immediately
having that book sent – reward yourself with that book if
successful at taking lunch to work for one week straight.
110
Another:
“Oh my gosh – that jacket would go perfect with my...” If
words similar to these have been uttered, even once, in one's
personal history – ones personal closet has many garments that
can be parted with. Donate enough of those garments so that
the government will tax-credit that perfect coat into the
wardrobe.
Yet Another:
Only start a new project when successfully completing a
former. High IQ folks rarely have long attention spans. When
the first rush of newness passes, usually around three months,
an excuse is made for that project to no longer exist. Try this
instead: Force that project to completion – even if it is not the
grandest version of completion. Write up what's been done so
far and place the information on the web. Sell it and its
accessories to the next fellow, and impart your experience
with it. Then reward that completion with the beginning of the
next great idea and it's impending purchases.
Proposing another:
Set an annual budget for items that fall into the category of
whimsical fancy. Find a monetary number that sounds
reasonable, figure out how much per month that would
require, and auto deposit it into a bank account titled
Whimsical. Then all purchases that would be considered lessthan-responsible should come out of that account. Never
make loans to that account – that means no credit should be
allowed – it's a buffer between the far-too-anxious brain and a
future without work.
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“I gotta spend!”
For some folks the act of finding something to purchase is the
only means available to feel better. It's a sorry state to be in,
but here are some methods of coping.
Hunt Stock:
Hunt down the best stocks you can find. Corner them,
interrogate them, make 'em tell you which will provide the
greatest dividend and bag the best one. A good place to start is
the DOW's dogs – search for it. Snagging a good stock can be
lots of fun.
Do not use these hunted stocks as the basis of your retirement.
Leave the retirement funds alone and let the professionals take
care of those for you. Fund managers are more efficient and
spend day and night thinking about stocks. Purchase stocks to
simply squelch the fire building in your pocket.
Buy Silver:
Some folks don't get a thrill purchasing stock. Its not
something they can hold. If this pertains to you – try buying
silver coin. Silver is guaranteed to always be worth something
and will grow in value over time. An ounce of silver is easily
within the price-range of most folks and can be attained from a
reliable source like the U.S. Mint. Silver coin impresses folks
– show little ones a pile and they'll think you are a nifty pirate.
Additionally, an ounce of silver makes a wonderful gift in a
pinch.
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Buy Gifts:
This doesn't mean buy yourself a gift. There is a birthday
coming around the corner and a gift will be needed – buy it
with the money that is causing the urge. This way the last
minute rush is avoided (a savings by doing that alone) and the
joy of shopping is as close to completely satiated as should be
needed.
STOP LEAKING
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"Beware of little expenses.
A small leak will sink a great ship."
-Benjamin Franklin
Over time little expenses crop up like weeds. It's time to take
stock and whack them. What follows is a couple of places to
look for weeds.
Each page has plenty of space. Use each mention of a weed as
a starting point for finding the ugly growths. If a growth
comes to mind write it directly into the book so that this can
be the place where you line-out the weeds that were taken care
of. This book is cheap - feel free to write all over it.
“Leaking is gross.”
- Not Benjamin Franklin
Really... write on the pages, they are bound so it's easier to
keep track of them.
.
.
.
.
Here – the first mark – now you should feel free to scribble:
118
Write notes....
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BANK FEES
Some banks are ridiculous in the fees they charge. Find a nice
credit union. If this causes fear, consider keeping the bank for
part of one's direct deposit, put the rest into a credit union and
slowly transition away from the greedy corporation as your
comfort level rises.
Some credit unions refund ATM fees making their ATM
network the largest in the world.
120
Go ahead – do a little scribble.
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MOVIE MEMBERSHIP FEES
These are insidious. Get rid of them – the digital age means
sending/receiving disks through the mail is useless.
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s
c
r
i
b
b
l
e
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EATING OUT
Neither breakfast, lunch, nor dinner should be consumed in
restaurants.
That expensive coffee for breakfast – skip it. Perked coffee
can be grand – most coffee makers have timers that can be set
the night before. Grocery stores sell disposable cups with lids
so you can take that homemade treat with you. Skipping
expensive coffee even just twice a week is an hour more of
rocking chair time in old age.
Lunch can be a sandwich made in the morning, or a salad
made last Sunday.
Eating out is really expensive. Only do this as a reward. Have
microwavable food on hand for when extreme weariness
attacks.
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You've still not written a thing down. I'll try a little harder...
125
UTILITIES
Folks may have heard that many devices around the home
consume energy even when they are not in use. The reason
for this: the device never knows when it will be needed to
come on in a flash! Help the poor thing out; Let it nap when
there is no chance you'll need it. Tell it when to be ready by
using a timer.
Things that do not need timers:
Toasters
Lamps
Refrigerators
Wires that end in a heavy black hunk are using trickle power
all the time, even if there is no device attached. Things with
remotes are also prime candidates.
If one would like to measure how much power is used there is
a device whose name sounds like “kilowatt.” A simple web
search will turn it up. These devices work by being plugged
into the wall and providing an outlet. Items plugged into the
provided outlet will then have their power utilization
measured. Measuring appliances and hunting out the most
egregious power spenders is rewarding.
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Another consideration is heat. Heating oil is very expensive
and doesn't sting the customer until the end of the month. If a
timed-thermostat is not yet installed – do so immediately. Not
having one of these beauties is wasteful. They cost less than
four lattes and are often subsidized by energy companies.
Has a note been made yet?
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CELLPHONE
Reduce your plan.
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In case you happen to meet me. Make a scribble of today's
date right here:
Then show it to me. It will make me smile like a child.
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CABLE
Get fewer channels. It's little known, but there are plans the
cable companies do not mention that are far cheaper than
those they do.
Start looking for content on-line. All major networks are now
posting. A few bookmarks and all needed content will be
yours. True, some shows will have to be bought, but those
purchases will be far less than the monthly fee of cable
packages.
130
This one will inspire you to write something down. I just
know it.
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GROCERY SHOPPING
Grocery stores have been around for a long time. They've
done research on exactly how each type of customer behaves.
They've watched folks shop for hundreds of hours and have
figured out a thing-or-two about how to get you to spend more
in the establishment.
For instance, on the next trip, watch how much of the store is
covered during the visit. It's likely that the essentials have
required a visit to all four corners of the building. This
maximizes the number of products that one needs to pass increasing the chances of the consumer purchasing something
they did not originally intend.
To combat this and the many other tricks played to maximize
their profits – make a list. Stick to it. Or shop on-line and
pick the groceries up at the store. Shopping on-line will help
avoid the lines, the gimmicks, and the temptations.
SERVICE RICHES
135
“Credit Unions Rock!”
- A wise author
As mentioned earlier – find a credit union – additionally, find
one that is service rich. Service rich credit unions are those
that provide access to many products on a single web page.1
It is not immediately obvious how this is a great perk but,
once tried, other less-consolidated providers will be hardpressed to compete.
When the folks that provide lending alongside the brokerage
that is used, alongside banking – it is suddenly a very fluid
motion to take excess funds from the bank account and throw
them into the brokerage account. Or to take excess funds and
throw them into loans – potentially shaving years off of
indebtedness.
Additionally when the bank allows bill pay complete bill
paying – the checkbook register is no longer necessary and
bills are never late.
When bills are on-time, loans are paid early, and brokerage
accounts are used like slot machines - the wealth meter runs a
lot faster.
Do some homework, find a good institution, it can save years
of retirement life.
1The credit union used by the author even makes it easy to
create accounts - so that partitioning funds into something like
a “Whimsical” account is an operation that takes less time
than it took to write this paragraph.
136
Whoa. That was a short chapter.
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One other thing... if you have all of your funds and savings in
one place, that place is often able to provide better products
due to seeing a larger sum and connection with you.
Try it. It's neat.
GET RICH BOOK SECRET
141
The secret behind every get-rich-book is this: customers buy
them hoping to find a cheat to a healthy retirement. If the
cheat is popular – the author's book has helped him get closer
to his own golden years.
The result of these books is rarely a successful shortcut. In
fact, if one were instead to have purchased a share of stock
with the price of that get-rich-book, one would already be
much further along to their goal of prudent saving.
Perhaps you could also write a book – with rich in the title.
Make sure its at least 141 pages long – any shorter and it just
wouldn't be credible.
Put a few tidbits of hard-won advice, be creative, and make
something folks can enjoy.
CONCLUSION
145
“Whatever advice you give, be brief.”
-Horace
In brief:
It's not just about the years to be lived in retirement.
Saving for old-age, rather, saving for the second half of ones
life – is not just about enjoying that portion of existence.
Confidence in the future security of those retirement years
brings rewards leading up to them as well.
Imagine this: there you are sitting on the porch of the house
you saved for, in a bench-swing that is slowly swaying from
the warm summer breeze, relaxed, because you know, truly
know, that you will be a millionaire and all of your needs will
be met.
Now imagine your future kids – they'll not worry about you.
Now imagine your siblings, and your parents – they'll not
worry.
Your friends will be more relaxed, because you are relaxed.
Folks will welcome your advice because you've succeeded.
Even if success is to be enjoyed some time from now.
Wealth makes wealth:
The more you have, the more rapidly it accumulates.
Remember the little workers in every buck. Each buck adds
one hundred additional workers to your retirement-army and
increases the work load it can take on. Grow that army and
send it out to conquer greater and greater feats.
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No cheating!:
There are no shortcuts. There is only hard work and saving.
And remember:
Stash
Hold
Keep
Invest
Bank
Diversify
Set aside
Auto-Deposit
Accumulate
Add
Budget
Capitalize
Plan
Hoard
Bury (no don't - no interest)
Compound
Allocate
Save.
Stow
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Thank you!
Thank you for adding a few workers to my army.
Please, pass this along to anyone else who might benefit from
seeing this advice in print.
If more specifics are desired for any of the tips found in this
work be sure to checkout mattsgetrichbook.com or email
matt@mattsgetrichbook.com